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INSURANCE REFORM

IRDAI proposes new motor insurance rules

The regulator's draft could change how motor policies are sold, explained and distributed, but it is not…

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WHAT CHANGED

Commission caps are proposed

The draft would link distributor pay to the cover, channel, product complexity and servicing effort.

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THE NUMBER

General insurer costs may fall

20% EoM

The proposed company-level expense limit would use domestic GDPI as its basis after a five-year transition.

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WHO IS AFFECTED

Car and bike renewals stay unchanged

Existing premiums and renewal terms do not change unless IRDAI issues a final notification.

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NEXT DEADLINE

Comments close on 25 October

25 OCT

The final framework, commission schedule and effective date will come after consultation.

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Know what to compare next

FuelPrice explains what the proposal may change and what motor-policy owners should still check.

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Get the full breakdown

Sources, numbers and what to watch next.

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Read: IRDAI proposes new insurance commission caps for motor policy buyers